Central Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Central Bank has been serving Utah County for over 120 years. The State Bank of Provo was organized in 1902. On July 1, 1966, the Springville Banking Company and the State Bank of Provo merged under the new name of Central Bank and Trust. This was not simply a union of the two oldest banks in Utah County, but a consolidation of strength that would provide greater lending power, more financial stability and superior services.

Central Bank opened its doors in Spanish Fork in 1969, followed shortly by offices in the Provo Riverside PIaza in 1971 and Mapleton in 1972. Continued expansion brought offices to Payson in 1980, Orem in1982, American Fork in 1996, Lehi in 2003, and Pleasant Grove in 2008. These new facilities demonstrate Central Bank's commitment to serving Utah County and the people.

Central Bank is committed to offering all modern banking services and conveniences - mobile banking, online bill pay, advanced technology ATMs, and online financial management. side from providing exceptional banking services, Central Bank makes many valuable contributions that strengthen the community.

75 North University Avenue Provo, Utah 84601 Phone: (801) 375-1000